I don't understand playing in a tourney only to get your money back, if you win. I would just go buy a new disc with my 20 and go hit the course.

Then tournaments aren't for you. I strongly believe that TDs should be compensated for all the time and effort they put into organizing events, and players should expect much less of their money to go into what amounts to a gambling pool. If we make the TD position one that doesn't require a ton of uncompensated hours and work just so that players can complain about trivial stuff, maybe we'd have more and better events. Instead, we expect TDs to lose money just so that the 18th place intermediate player gets to take home some extra plastic.